Make sure you are speaking to the actual loan servicer as this is who you will be interacting with over the entire life of your new loan. (u-fi.com)
Over the 30 year life of the new loan, we will pay more than if we had continued with our previous loan (excluding the PMI which we likely could have eliminated without a refinance). (policygenius.com)
You could qualify for lower rates, so you'd pay less in total interest charges over the life of your new loan. (studentloanhero.com)